Member Service Specialist

GENERAL SUMMARY:

This full time position is in Randallstown, MD, however, training will be required in Parkville, MD.

Responsible for providing exceptional member service, banking solutions that will deepen member relationships with Destinations CU and generating revenue. Provides one-on-one member advice, explores opportunities to cross-sell the best suitable products and services, and evaluates their financial needs in every interaction to generate loan business that in turn will assist our members in meeting their financial goals. In addition, performs routine savings, checking and loan account transactions for members.

MAJOR DUTIES & RESPONSIBILITIES:

· Actively promotes a need-based sales and service culture as outlined by Destinations CU mission, vision, and values, while always providing a stellar member experience.

· Represents the Credit Union in a professional manner and maintains positive member relations by providing guidance and relevant information related to features and benefits of all products and services offered by Destinations credit union.

· Observes all required verification protocols, obtains the appropriate documentation to remain BSA and Patriot Act compliant.

· Strictly performs the member verification process per Destinations MIP on every interaction, prior to initiating any requests or transactions.

· Establishes new memberships and opens new shares with same day funding.,.

· Performs the new member onboarding on all recently established memberships within the established time frames, keeping track of all products and services cross-sold.

· Performs IRA transactions such as opening accounts, closing accounts, add funds, and completing withdraws.

· Interviews potential borrowers to determine the viability of a loan request. Self-initiates loan applications, analyzes the information and supporting documents gathered based on the credit union’s policy. Prepares and submits loan files for processing.

· Provides updates regarding the status of a submitted loan applications.

· Implements outreach efforts regarding consumer loan products to develop new and increase / expand lending product penetration.

· Able to process transactions for members in person or via telephone, including but not limited to deposits, withdrawals, transfers, and loan payments.

· Must balance cash drawer daily and assist in branch settlement as needed. Will locate and correct discrepancies as they occur.

· Performs other job-related duties as assigned by the Branch Manager and / or the VP of Branch Operations.

Must be able to work a minimum of two Saturday shifts per month.

EDUCATION & EXPERIENCE (portion of):

• A High School Diploma or equivalent required, college is preferred.
• Bilingual English & Spanish is preferred
• Knowledge of IRA rules and regulations.
• MUST HAVE A POSITIVE CREDIT RATING AND BE ELIGIBLE FOR BONDING.

Job Type: Full-time

Pay: $16.00 - $22.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Bereavement leave
• Credit union membership
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Opportunities for advancement
• Paid orientation
• Paid sick time
• Paid time off
• Paid training
• Prescription drug insurance
• Vision insurance

Application Question(s):

• Are you able to commute to both Parkville, MD & Randallstown, MD?
• Are you fully vaccinated against COVID-19 or willing to become vaccinated prior to employment?

Education:

• High school or equivalent (Required)

Experience:

• Cash handling: 1 year (Required)
• Customer service: 2 years (Required)
• Banking: 2 years (Required)

Language:

• Spanish (Preferred)

License/Certification:

• Certified Notary Public (Preferred)

Shift availability:

• Day Shift (Required)

Work Location: In person